Which steps should one take when creating a personal budget?
Record how one spends money during a holiday weekend, and then look for ways in which to spend more efficiently and make purchases that are more useful in the long term.

Write down what one hopes to earn over a period of time and what one imagines spending in that span, and then do one’s best to stick to that budget and develop a deficit.

Track all income and expenses over a period of time, and then analyze the data to better understand how to move from a deficit to a balanced budget or a balanced budget to a surplus.

Review all of one’s income over a long period of time, decide how it should be spent, and then spend it as planned in a short period of time until all of the income is gone.

The bubonic plague killed 35% to 50% of the european population. the death toll was much higher in urban areas then in rural ones. the disproportion of mortality rates can be attributed to fact that cities were more densely populated then rural areas. england and italy were mostly affected; in some towns, the plague claimed 70-80% of the residents. the high death rates resulted in a large amount of wealth and property being passed from one owner to another as people moved from the country to the and other members of the clergy contracted the plague at a higher rate, because they had more contact with people infected by the disease. because of the high mortality rate, the church was desperately in need of new priests. many young priests were ordained without proper training. these inexperienced clergymen caused many to lose respect for the church. according to the passage, what were the effects of the plague? select all that apply. about 70 percent of europeans died. the plague resulted in people moving to the cities. the plague caused people to lose faith in the church. more people enrolled in universities and became priests. wealth and property changed hands after people died.